Free calculator · United States · tax year 2026

US take-home pay calculator, 2026 rules

The short answer: your 2026 paycheck is gross pay minus federal tax on the new brackets (10% to 37%, standard deduction $16,100 single / $32,200 joint), minus 6.2% Social Security up to $184,500, minus Medicare. This tool shows the whole federal stack, including the 401(k) and senior-deduction levers, and tells you exactly what it leaves out.

Gross salary$85,000/yr

Joint filers: combined household wages. The 65+ toggle assumes both spouses qualify when filing jointly.

Traditional 401(k) contribution6%

Pre-tax, capped at the 2026 employee limit of $24,500. Lowers taxable income, not FICA.

Annual take-home

$64,650

Monthly take-home

$5,387

Federal income tax

$8,748

Social Security + Medicare

$6,503

Marginal rate

22%

Effective rate (fed + FICA)

17.9%

What is in the number: 2026 federal brackets and the $16,100/$32,200 standard deduction (IRS Rev. Proc. 2025-32), Social Security at 6.2% up to the $184,500 wage base, and Medicare at 1.45% plus the 0.9% surtax on high earners. What is not: state and local income tax, health premiums, and Roth contributions. If you live in a no-income-tax state this is close to the whole picture; in California or New York it is not, and pretending otherwise is how calculators lie.

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Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.